# BANK OF CHARLOTTE COUNTY PHENIX, VA · FDIC certificate 14491 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster). ## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses) | Measure | Value | Band median | |---|---|---| | Total assets | $222.8M | | | Deposits | $194.5M | | | Loans and leases | $140.4M | | | Total equity | $27.2M | | | Loans / deposits | 71.29% (p46 of band) | 73.59% | | Liquid assets / assets | 35.69% (p56 of band) | | | Uninsured deposits / deposits | 22.06% (p58 of band) | 19.81% | | Brokered deposits | 0.00% | | | Wholesale funding | 0.00% (p23 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 12.79% (p61 of band) | 11.76% | | Unrealized securities loss / equity | -8.38% (p44 of band) | -6.57% | | AOCI / equity | -0.23% (p57 of band) | | | ROA (annualized) | 3.44% (p96 of band) | 1.17% | | Net interest margin | 4.54% (p77 of band) | 3.93% | | Efficiency ratio | 44.61% (p7 of band) | | | Noncurrent loans | 0.33% (p49 of band) | 0.36% | | Net charge-offs (annualized) | 0.08% (p85 of band) | | | Reserve coverage of noncurrent | 375.96% | | | Real estate % of loans | 91% | | | Construction % of loans | 19.14% (p52 of band) | | | Auto loans | $1.3M (0.90% of loans; DQ 0.00%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 8.7% | | | Employees | 48 | | ## Flags firing in the latest filing - none ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 0 | | | | 2011-06 | 0 | | | | 2011-09 | 1 | reserve under noncurrent | | | 2011-12 | 1 | | | | 2012-03 | 0 | | reserve under noncurrent | | 2012-06 | 0 | | | | 2012-09 | 0 | | | | 2012-12 | 0 | | | | 2013-03 | 1 | reserve under noncurrent | | | 2013-06 | 1 | | | | 2013-09 | 0 | | reserve under noncurrent | | 2013-12 | 2 | capital falling, reserve under noncurrent | | | 2014-03 | 1 | | capital falling | | 2014-06 | 0 | | reserve under noncurrent | | 2014-09 | 0 | | | | 2014-12 | 0 | | | | 2015-03 | 0 | | | | 2015-06 | 0 | | | | 2015-09 | 0 | | | | 2015-12 | 0 | | | | 2016-03 | 0 | | | | 2016-06 | 0 | | | | 2016-09 | 0 | | | | 2016-12 | 0 | | | | 2017-03 | 1 | capital falling | | | 2017-06 | 1 | | | | 2017-09 | 1 | | | | 2017-12 | 1 | | | | 2018-03 | 0 | | capital falling | | 2018-06 | 0 | | | | 2018-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | | | 2018-12 | 3 | | | | 2019-03 | 0 | | deposits shrinking, assets shrinking, uninsured deposits leaving | | 2019-06 | 0 | | | | 2019-09 | 0 | | | | 2019-12 | 0 | | | | 2020-03 | 0 | | | | 2020-06 | 0 | | | | 2020-09 | 1 | capital falling | | | 2020-12 | 1 | | | | 2021-03 | 0 | | capital falling | | 2021-06 | 0 | | | | 2021-09 | 1 | capital falling | | | 2021-12 | 1 | | | | 2022-03 | 0 | | capital falling | | 2022-06 | 0 | | | | 2022-09 | 1 | AOCI drag >20% of equity | | | 2022-12 | 0 | | AOCI drag >20% of equity | | 2023-03 | 1 | uninsured deposits leaving | | | 2023-06 | 2 | deposits shrinking | | | 2023-09 | 0 | | uninsured deposits leaving, deposits shrinking | | 2023-12 | 0 | | | | 2024-03 | 1 | capital falling | | | 2024-06 | 1 | | | | 2024-09 | 1 | | | | 2024-12 | 1 | | | | 2025-03 | 0 | | capital falling | | 2025-06 | 0 | | | | 2025-09 | 0 | | | | 2025-12 | 2 | capital falling, reserve under noncurrent | | | 2026-03 | 0 | | capital falling, reserve under noncurrent | | 2026-06 | 0 | | | ## In the news (Google News, unfiltered, newest first; check the city) - 2023-01-26 [Jessica Moon promoted at Bank of Charlotte Co. - Altavista Journal](https://news.google.com/rss/articles/CBMikAFBVV95cUxNMmJwZk1sVmJ2TTVxS2hBVDR4eTk3dmVBbGdXT2JQdXcwYXEtN29Cbng0MFJFSmEzeGFwT09Ob0dYLVM1X1F6WEdwZm1xeFdiczByZ291OG0xblRGMmdweVlDdnFfb04zR1FhbVhLbUx1dk1NLWtnWnplak00WXVfZFA0OG5ZRndrUHYybmt1STQ?oc=5) · Altavista Journal - 2020-06-08 [First Bank & Trust Company Welcomes Mark Thackston to the Commercial Lending Team - PR Newswire](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOR05RYnVIYW5tdnZIT0VsVEFpbFhRVWhlVjNoUVFQUU1QWmsta3Z2b3d5SGVjLW1IMFRyY1U5aTMtck03UHhIZWFEWVZpcnRzaHdmS3RLbzVNX19uM25TTXIwTEdzOTlWcU5pdnp1RjNyQ1QzSHNscjAybnhUajJmdW1UYnQ4Nmx1YjU1Q2lBXzIyOGlzM2V3YTB5WHZCdjNFcGhpUUJ0QU5Yc0Q5MGxXM2tnVko0azYzTmJiSEJlVzYxUXFDZHBURERmdGtUYzRpRmc?oc=5) · PR Newswire - 2024-09-26 [Charlotte County board chair pleads guilty to five charges, agrees to resign as supervisor - SoVaNOW](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPamltVU84alh4OVFnM056WXBMZTJLSUlzTWc5ODdRUG14Vy00ZEgtUVNfVFF6bUxhY2ZVUlZtQWRhZXR4aTZfSjIwRmNtZWhnVnZZSW9Bcnd0ZW0zak5xbFJyRFg5bmx4bXJ0UGJJWS1CSEpESndfVW90a0JMQTg2a0RGa1JBcm5GRE9QbHQ4WmJXb01EMnc5Z0Eyb3hiSG1DdF9BVzk2ZmR6c1FqTEtYUXdvcXgyVktEbEZHb05hNWo?oc=5) · SoVaNOW - 2021-01-20 [Bank of Charlotte County announces new assistant vice president, assistant manager - Altavista Journal](https://news.google.com/rss/articles/CBMimAFBVV95cUxPcnBrUjJoOHRMT0RJb3lyNmwyTVVpSEV4NXV5YS0wT0pOdzNkbE4zU25UWjE3OE9EZTlRdEZteHNiYi1jUVhnMUZub09veEV4cGRXUGYxVUFOWEdLMS1GRkJzX1RQWmRYcU9FYWFWcWdqQmlHaTRNNVRPMTh5UW9xaTV5QUdpaW5VckoyY2hJb0tHNVJOZGpNbw?oc=5) · Altavista Journal - 2026-03-20 [National Bankshares executive vice president Paul M. Mylum to resign in May - Investing.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxQeDdmUW1Hb0xad2JPTHJoYVdKZkJkX2xtNlZfUWVUVk45TVF6UHRXYzlhMUlFMWRMT0M2MXV2bWdwdFljQUYxQ3MwX2g1eng4TEtrMkpBZTk4azg0cFNzNmZYYm14VTRndi11TEJjZXBHZ0M5QnMxN1NJTW1CYVg3b3pQa3BjX0RMaklQSUVxVURjWk9SN0tZTjV5cHRUUkdNMkVDQlJ3UTJKZm5jRmhMcG1mYmdWR2drc3Y4VHpqUVpvTzJ3amREMVhB?oc=5) · Investing.com - 2021-01-26 [Ridgeway elected to BCC Bankshares Inc. and Bank of Charlotte County Board of Directors - Altavista Journal](https://news.google.com/rss/articles/CBMimAFBVV95cUxPTnVIaHhPc1FKdEpJMDF4NTZTa1pzSEZTRWtCcTA2Z2F3cjFxR3hUcDl0MFVLdnlUdk5TSGMtT0JwVHBadnNob1Y0SUF1MC1NV2JPOEs1dnN0QWdPUHpwYVJjdWhVWXI0WXRjU2ZpTHhqeE9ud1NNUWJ4UU9SdG9YckFyMVV2TEk0am1SVnRfVTYweHhnanpULQ?oc=5) · Altavista Journal - 2022-09-25 [Hugh Andrews Obituary (1925 - 2007) - Phenix, VA - The News & Advance - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNNjU5OXMzLTdXbWdaTS1iSE1Rd2huU0NDdlpUMEFEazlLa3ZoU21kWm1sTldrVWN1bmxXLTZzRXFyRVNWWDVkR3JqcHVGaE5PWE1HUlpWUjNNOHlUYWRrQVluek80NDFKLTlRMjZHS0NuRThyRXYzQmx5cXg4Nm43TW5OcUNMU2JQMFQyWTVPRlY?oc=5) · legacy.com - 2019-05-27 [Black Vegetarians Ditch Meat, and Stereotypes - U.S. News & World Report](https://news.google.com/rss/articles/CBMitgFBVV95cUxPb1pFSm4yZGQ0SjlLaVo1OUt5QUlzdnlSamt3N1NvY0k2dXZIZm43OEJzOE9CUW5oWFBBUFd5VWwyaGJTdnJUYXdBUGROY1lzVXNXYWpVbnREN0NmT0U2UC1tbmFrNUZVcDRRdVFDRGl3YVVFOXl6VmtGNTZCMWlNTjFfVjF4ei1ETG50ZkNCbDZHby1scG54X3dialAxckxETzd4OFR1TXd1cEtYdDN6WG4wd1FWQQ?oc=5) · U.S. News & World Report ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=14491 (click any number for its formula and FFIEC field codes) - Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/27.json (key "14491", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags) - Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary - Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide